Is Cataract Surgery Covered In Health Insurance?

A cataract is an eye disorder, common in individuals between the age of 40 to 60 years. It leads to complete blindness if it is not treated on time. At present it has been established that there are no natural remedies for a cataract and surgery is the only way out, which involves the payment of a considerable sum of money. However, there is a general confusion in this regard as to whether cataract surgeries are covered under health insurance plans or not and in this article we are going to discuss the same. 

Is Cataract Surgery Covered In Health Insurance? 

Against the strain of public confusion, cataract surgeries are in fact covered under health insurance plans. With the advancement of science and technology, a cataract surgery can today be performed within a day as part of day care procedures in hospitals. Many health insurance company offer a coverage of innumerable daycare procedures that incorporate the cost of cataract surgeries and you should check the policy documents properly at the time of purchasing the policy. In case you already hold a health insurance policy, you can revert back to those documents to check the inclusions and exclusions of your plan. 

Now, let us take a look at some of the most prominent health insurance plans that offer coverage of cataract surgeries. 

Health Insurance Plans Which Cover Cataract Surgery 

The following are a list of health insurance plans with a cataract surgery coverage. 

• ICICI Lombard Complete Health Insurance Plan

This insurance plan is a comprehensive health insurance plan for your and your family. It offers a claim limit of INR 25,000 for cataract surgeries for each eye that adequately covers the cost of treatment and recovery from a cataract, preventing possible blindness. 

• Care Health Care Freedom Insurance Plan 

This insurance plan is designed for senior citizens who are more prone to cataracts than younger adults. It does not have any sub-limits relating to a cataract treatment cover and policyholders can avail financial assistance as and when required by them. 

• Star Health Insurance Senior Citizen Red Carpet Policy 

This insurance policy is also designed specially for senior citizens. It offers a maximum claim amount of INR 25,000 for the cataract treatment of each eye and also corresponds to the amount of sum insured, allowing you to avail greater financial support with a greater cover. 

• SBI General Health Insurance Plan 

This plan by one of the country’s oldest banks is available to all individuals, irrespective of their age and medical history. The claim limit corresponds to the sum insured amount with a maximum limit of INR 25,0000 that comfortably seeks to address the financial requirements of all Indian citizens. 

• Bajaj Allianz Health-Guard Insurance Plan 

This plan is an impressive health insurance plan. Its claim limit for cataract surgeries is equal to 10% of the sum assured and it offers a maximum coverage of INR 35,000 for the treatment and recovery of each eye.

Take Away 

These are in short the list of health insurance plans that cover the cost of cataract treatment and recovery, Hopefully you are no longer in the dark about whether cataract surgeries are covered by health insurance companies or not. However, you should remember that you will have to ride out the waiting period in order to avail this service. The waiting period for most health insurance companies is 2 years but it can also go up till 4 years. Be sure to enquire about this aspect to purchase the plan with the lowest waiting period to avail maximum service and benefits. 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.